Secondary or Seasonal Dwelling

Home Insurance Florida | Keeping Your Vacant Property Safe and Secure

Protect your vacant Florida home with smart maintenance, security systems, and the right coverage. Learn how American Integrity helps homeowners safeguard unoccupied properties.

10/20/2020 1:43:02 PM

Grass still grows and air still flows, even if no one is around. Although your property is unoccupied, there is still a need for ongoing maintenance. To help keep track of all the items that must be completed to keep your property safe, create a monthly property maintenance list.

If you live far away from your investment, or are just not able to keep up with the maintenance, hire a local handyman service to perform the following tasks: 

Whether you own a rental property or spend part of the year away from home, there will likely be times when your property sits vacant. Extended vacancies can leave your home vulnerable to maintenance issues, weather damage, and security risks.

By taking a few proactive steps, you can protect your investment and ensure your property stays in top condition until it’s occupied again.

Provide Regular Maintenance

Even when unoccupied, your property still needs ongoing attention. Grass grows, filters clog, and small leaks can turn into costly problems if left unchecked. Create a monthly maintenance checklist to stay organized and consistent.

If you live far away or can’t manage upkeep yourself, hire a trusted local handyman or property manager to handle essentials such as: 

  • Yardwork and Landscaping
  • Check and Clean Out Gutters and Downspouts
  • Change HVAC filters
  • Change Smoke and Carbon Monoxide Detector Batteries
  • Pest Control Inspections and Treatments
  • Flush Toilets and Run Water in Sinks
  • Replace Light Bulbs (especially if you have automated or timed lighting)
  • Check for Leaks
  • Check for Signs of Forced Entry
  • Touchup Repairs and Painting

Requesting a simple monthly report from your contractor can help you track the condition of your property and address potential problems before they escalate.

Related Post: Maintaining Your Rental Property

Stay Connected With the Neighborhood

Neighbors can be one of your best security assets. Build relationships with the residents surrounding your property so they know how to reach you if something seems off. Provide your contact information and ask them to alert law enforcement, and then you - if they notice suspicious activity.

Neighbors can also notify you of major weather events, allowing you to arrange protective measures or inspections quickly.

Install a Reliable Security System

A monitored security system provides peace of mind when you’re away. Modern systems offer mobile alerts, live video feeds, and remote access so you can monitor your home in real time. Visible cameras and security signage act as effective deterrents to potential intruders.

Related Post: Nine Ways to Protect Your Unoccupied Home
Review Your Insurance Coverage

There’s a big difference between standard homeowners insurance and coverage designed for vacant properties. Homes that sit empty for extended periods face unique risks - everything from undetected water damage to vandalism.

If your property will be unoccupied for weeks or months at a time, talk to your insurance agent about a Vacant Coverage policy from American Integrity Insurance. It’s built specifically to protect Florida homeowners in situations like these.

A Little Prevention Goes a Long Way

Keeping your vacant property safe and secure helps preserve its value, makes it more attractive to renters or buyers, and ensures that when you return, you’ll come home to a property that’s ready for living - not repairs.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurancecondo insurancerenters insurance, and the special coverage required for vacant homesmanufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insuranceumbrella insurancegolf cart insuranceboat insurancecyber coverageand identity theft protectionas well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.